Policy Study On The Role Of Leading Bank In Syndicated Loans

Over the 30 years since the introduction of syndicated loans to the financial market, domestic syndicated loans have made fast and stable development, and syndicated loans have played a significant role in satisfying customers' financial demand, eliminating loan risk and improving asset composition. As of the end of September, 2015, the total outstanding loan balance of our country is 5.5209 trillion, The non-performing ratio of syndicated loan of commercial banks was only 0.39, far lower than the average non-performing ratio of the same period.The above data shows that the proportion of syndicated loans in the credit market increased gradually, and it has become an important product of corporate loans. Syndicated loans play a positive role in eliminating financial risk.The leading banks play an important role in syndicated loans, and they are responsible for the formation and daily operation of syndicated loans. During the implementation of syndicated loans, due to various reasons, there might be problems such as imbalance of loan disbursement or lack of constraint for participating banks, which affect the normal operation of syndicated loans. As lead banks, they must take effective measures to solve various problems in syndicate loans to guarantee the normal operation of syndicated loans, and at the same time they must guarantee their own interest. How to take good use of the advantage of lead bank and how to play a leading role in syndicated loans is important problems faced by lead banks during the process of the formation and management of syndicated loans.On the basis of research method of literature study and empirical analysis, this paper is committed to solving how to take the leading role in syndicated loans for the leading banks. The author read a large number of literature on syndicated loans, analyzed related data, and made a conclusion on how leading banks can take a leading role in syndicated loans.By research, this paper found that in order to solve the problems in the management of syndicated loans such as imbalance of loan disbursement, loose management and imbalance of profit distribution, lead banks in syndicated loans should innovate syndicated mode and promote the new development of syndicated loans, choose powerful participating banks, choose flexible interest rate terms, introduce punishment mechanism, choose underwriting carefully, enhance the effectiveness of syndicated resolution, constrain agent behavior, lock in advance of future earnings, and encourage borrowers to actively participate in the syndicated business. Through the above measures, lead banks can strengthen the management of syndicated loans. In this way, lead banks can ensure the security of loans and increase the profit of loans and ensure the normal supply of project funds.